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Overdraft Protection

Three layers of defense to protect your accounts.

Sign up for Overdraft Privilege Link an Existing Elements Account

Or call 1-800-621-2105

Explore EZ Line of Credit

Overdraft Protection


  • Peace of mind and flexibility should an overdraft occur


  1. Transfer Money from Another Account1- Link two deposit accounts so money automatically transfers from one account to the other to match the exact amount of your overdraft
  2. Transfer Money from a Line of Credit - Open an EZ Line of Credit so money automatically transfers from the line of credit to match the exact amount of your overdraft
  3. Overdraft Privilege2 - Standard and extended coverage for overdrafts on checks and automated bill payments, ATM and everyday debit card transactions that exceed your available balance


Our experienced, helpful member service team is ready to support you!


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Transfer Money from Another Account


This easy solution allows you to borrow from yourself as needed. You simply link your account to another deposit account and money automatically transfers to match the exact amount of your overdraft. 



There is no charge for up to 6 transfers per month.


Get Started

You can link accounts by signing in to Online Banking or the Elements Mobile App. Or contact Elements at 1-800-621-2105 for assistance.

Transfer Money from a Line of Credit


With this method, you establish an EZ Line of Credit with Elements. Money automatically transfers from your EZ Line of Credit to match the exact amount of your overdraft.



The cost per transfer is $5 plus interest on your Line of Credit balance.


Get Started

Open an EZ Line of Credit and then contact Elements at 1-800-621-2105 to connect the line of credit with your checking account to establish overdraft protection.

Overdraft Privilege


This method allows you to cover overdrafts beyond the first two options described. There are two versions of this coverage:

 Standard Coverage

  • Standard Coverage includes checks and automated bill payments and is automatically provided on eligible accounts.
  • This limited version does not allow for ATM and everyday debit card transactions that exceed your available balance.

 Extended Coverage

  • Extended Coverage includes checks and automated bill payments, plus includes ATM and every day debit card transactions.
  • This comprehensive version allows you to proceed with ATM and debit card transactions that overdraw your account up to the disclosed limit in order to pay a transaction.
  • You must let us know if you wish to have Extended Coverage. Sign up online, visit a branch, or call us at 1-800-621-2105



$32 fee applies each time you use this service.

Frequently Asked Questions


Q: What is an overdraft?
An overdraft occurs when you do not have sufficient available funds (Available Balance) in your account to cover a transaction, but we pay it anyway, for a fee. Important information regarding overdrafts is located in the Account Agreement.

Q: What are the standard overdraft practices that come with my account?
We authorize and pay overdrafts for checks and other transactions made using your checking account number and automatic bill payments. We do not authorize and pay overdrafts for ATM transactions and everyday debit card transactions unless you ask us to by signing up for Overdraft Privilege Extended Coverage. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Q: What fees will I be charged if Elements Financial pays my overdraft?
Under our standard overdraft practices:

  • We will charge you a fee of up to $32 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

Q: What if I want Elements to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call 1-800-621-2105, email us at, or sign up online for Overdraft Privilege Extended Coverage.

  1. 1 Transfers are limited to six (6) transfers per month.
  2. 2 Accounts will be charged the standard Overdraft fee of $32.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $32.00 for items returned. An overdrawn balance is due and payable upon demand. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of one business day, if you default on any loan or other obligation to Elements Financial or if your account is subject to any legal or administrative order or levy.